How can I obtain a letter stating that I would like to purchase car outside of my plan?

Visit with your attorney before you dismiss or purchase the car. You may wish to convert to a Ch 7 instead. The Trustee can give you the letter if s/he approves the purchase while still in the 13.

If you file the Motion to Dismiss, your case will be dismissed in short order. However, dismissing your case may to be the best thing for you in the long run. Bankruptcy is too serious of a matter to dismiss without knowing all the ramifications. Getting permission to buy a car can be simple or difficult depending on your jurisdiction. IN some, the trustee will grant permission and not require a motion to be filed. IN others, you have to file the motion which takes time. However, you can ask the court for the time The bottom line here is you need to discuss this entire situation With an attorney to make the best choice and or get your motion to dismiss or you motion to purchase expedited.

Your trustee will need to sign a letter stating that the new loan will not adversely effect your plan payments. If you are trading out one payment for another or if your income will cover the new payment, the trustee may sign the letter without a hearing. The trustee will have time periods in place regarding how quickly they will review your budget information after it has been received. If you let them know it is a medical issue, my experience is that they will beat those time estimates. Call your trustee to be sure you follow the correct procedure.

The simplest way to be able to buy a car would be to dismiss your Chapter 13 now. Getting court permission will be necessary if you need to borrow money to finance the purchase of a vehicle. If you are looking to buy a vehicle with cash, no court permission is needed. Although there is a process called an OST (Order Shortening Time), it is a complicated process.

Call the Chapter 13 trustee's office and explain your situation. You still need to file a motion but the trustee can waive the 28 day requirement.

If you stay in the case, you need to obtain an order authorizing you to incur new debt. If you will be dismissing the case, the dealership may want a copy of the dismissal order.

Ask the car dealer if you convert your case to a Chapter 7 can they process the loan immediately. Otherwise, you may need to dismiss your case, get your car, and file a new Chapter 7 (assuming you have unsecured debts you need to discharge). Work closely with the car folks.